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I need to get serious and start saving money, I need some major tips!?

  • I have been trying to save money for years now and most recently in the past year because I am certain I will need to buy a new car soon, or do a major tuneup on the one I have now. Problem: I managed to save $6.25 to keep my savings account open and I am even over the limit (only by a little bit) on my credit card. HELP! A HUGE majority of my money goes to living expenses which I cant cut down because they are set prices of course. Any tips about ANY money saving ideas you have would be helpful. I dont have to worry about cutting down on using water/gas/etc cause I only pay rent/electricity/internet/cable for my apartment. I also need tips on how to just deal with what Ive got. I have a bad habit of buying food when Im craving it (living right behind Hyvee doesnt help at all) and thats mostly where my extra money goes. I need to learn how to curb cravings and resist the urge to spend money. Another problem, I have virtually nothing that feels like a "reward" so saving money and treating myself to something doesnt really work. I have high expectations of just about everything (which I cannot change, trust me, I have tried) so something that is satisfying to me is a vacation when I want it or something thats going to make my life easier (cause im a very lazy person too) like someone to clean for me. I wasnt raised like that so I have no idea where these ideas/thoughts/expectations came from. Anyways, I need tips for all of my problems. I am tired of not having money to even go get something from Burger King! After my rent check goes though Ill have money for gas and thats all. Then I have nothing until I get paid again and have to pay more bills which will eat the rest of my check then too. I am tired of living like this, its stressing me out really badly!

  • Answer:

    sounds to me like your main problem is your attitude to money and life rather than just how to save money. saving money is easy right, you simply put whatever you can away into a special account you can't touch for a while. thats the easy part. unfortunately when we don't have enough money we really have to make some hard choices and sometimes that simply means that we can't afford to go to burger king, fall stop. but thats ok because if you can change how you feel about your life and learn how to enjoy other less expensive things believe me it really doesn't matter. but it does take some effort, nothing worth doing is easy. well you know that anyway. What about learning to enjoy coupon hunting. it really can be fun and turn into a bit of an obsession. i get a real kick from saving money on my grocery shop each week. It almost becomes a challenge for me. there are even systems you can buy which help to make it more fun and easy to manage like this one http://www.frugal-living-tips.com/coupon-organizer.html I live on a tight budget and yes i get fed up sometimes that i can't splash out on this and that but thats life. I have found so many ways I can save money on all sorts of things from grocery shopping, buying clothes and adapting them myself from charity stores (everyone always says I look great so I must be doing something right), to working on my garden by getting things for free from online freegle websites, skips and swapping things with my neighbors. its all about being creative and having fun. i wish you all the luck, you can do it, as i say it just takes a little effort and some imagination.

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sound like you don't make enough to be living out on your own get a roommate move back home for awhile get a 2nd job can't help you with your will power issues - only you can do something about that

Zarg222

I think your real question is more about how to have more money available than it is on how to save money. That is two entirely different things, but I do know how to save money. I can't believe I'm going to waste my time giving this excellent advice, but this is what I did that allowed me to retire while still in my 40's: My only rule was that 10% of everything I made was for me and my family. I made sure that I could live on my take home pay, less savings, less my 10%. You might not always be able to save a little each week, but that 10% came before anything. If I only made $400 on unimployment, less taxes for a weekly take home of $350, I made sure $40 went into my investment account. That account was never touched for anything other than investments. Buying a house is an investment, buying a car or furnishing for the home is not. It was very hard at first. Everyone has to have a savings account to meet unexpected expenses. Stuff is going to happen, and happen more often than we ever want them to. Having money available for these crisis gives you a personel sense of freedom that can not be replaced by living large. You have to have the will power to save up for more than just your next car. And that car had better be a used one unless you are rich. My reward was see my investments (and savings) grow. If I wanted to take a vacation, buy a car, go out to eat or whatever, I took that money from savings. When we made a mortgage payment for the house we were living in (always a 15 year note) we did it out of savings, not the investment account. I made the maximum IRA and 401k contributions I could each year. My wife stayed at home and raised our kids. We never were a two income family. After a couple of decades (seems like a long time, but it is not) my investment income was really making a huge difference. I used part of that investment money to pay off the rest of my real estate loans on multiple properties and started saving at a much higher rate. I invested carefully at first when it was so easy to lose everything. As I learned more, it was much easier to make money investing. Anyone who can not get a return of at least 20% a year on average is not trying very hard. Even with today's investment enviroment. I took risk when I felt I could, stayed conservative when I thought I should. I also invested a larged percentage of my savings. We did not have a credit card until we felt the need to rent a car. I never took out a loan on anything other than real estate. Never carried a balance forward on a credit card. Have no idea what my credit score is, and do not care. I think credit is for loosers. Period! I'd rather make money off of someone else by having them make payments to me. In short, we lived well with in our means. Ate beans even when we could afford steak just so we could meet our goals. I became a student of investing and the markets even though I worked during the day as an electrician. Saved and invested wisely. Looking back, it was remarkably easy. (Now, for taking the time to write all this out, you should give me a thumbs up rating. Otherwise, I'm going golfing instead of trying to help others out!)

You need to focus on the cost side of your budget. If you do not have a budget you need to get one and learn how to fill it out and learn how to reduce the amounts on the spending side of your budget.

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